go on, ditch your bank, says pm, page-16

You are right head, as a past Mortgage Broker who bailed out of the industry mid GFC, there are a miriad of other issues to consider prior to "ditching" your bank. .
Bank valuations for a property can even vary from bank to bank where in one instance you may not have to take out LMI but with another bank you will.

It is no where near as simple to "change banks" as these simpletons in Cnberra seem to believe when you have many of your finances tied up with one lender!
Maybe these clowns have never ever had to crawl to a lender to get funding for one thing or another...